Posted by Chuck on June 13, 2018
Bank Account Bonuses

Published on June 13th, 2018 | by Chuck


[Expired] U.S. Bank $200 In-Branch Checking Bonus

Deal has expired, view the best current checking bonuses here.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: In branch only [Branch locations | Map]. They have states in AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, MN, MO, MT, ND, NE, NM, NV, OH, OR, SD, TN, TX, UT, WA, WI, WY
  • Direct deposit required: Yes, $1,000+ within 60 days
  • Additional requirements: None
  • Hard/soft pull: Soft
  • ChexSystems: Mixed data points
  • Credit card funding: None
  • Monthly fees: $10.95-$12.95, waivable 
  • Early account termination fee: None
  • Household limit: None mentioned
  • Expiration date: August 6, 2018

The Offer

No direct link, offered in-branch only

  • U.S. Bank is offering a bonus of $200 when you open a new consumer checking account and receive direct deposits totaling $1,000 or more within 60 days of account opening.

The Fine Print

  • Valid between June 11 and August 6, 2018
  • $200 bonus will be deposited into your new checking account within 60 days of direct deposit verification as long as your account is opened
  • Offer may not be combined with any other checking account bonus offers
  • Offer is not valid if you have an existing U.S. Bank consumer checking account, had a U.S. bank checking account account in the last twelve months or received other U.S. Bank bonus offers within the past twelve months
  • Offer is not available to accounts opened through or 24 hour banking
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

U.S bank has three checking products which qualify for this promotion:

  • Silver Checking Account
  • Gold Checking Account
  • Platinum Checking account

Probably the easiest way to keep this fee free is to open the Gold Checking account: if you have a U.S Bank credit card then the monthly fees on this account are waived. Many of us have a U.S. Bank personal credit card like Altitude, Flexperks, or Cash+ which would work to keep the account fee-free. Having a personal loan gets the fee waived as well.

If you don’t have a U.S Bank credit card and aren’t planning on getting one, your best bet is to open the Silver checking account which has of $8.95 ($6.95 if you enroll in paperless statements). Fee is waived if you do these three things: 1) Go paperless, 2) Open a Package Money Market Savings account (no fee), 3) Do one of these two things: have combined direct deposits totaling $1,000 or more, OR maintain an average monthly balance of $1,500. Another option is to get the Gold account and get the fee waived if you have a good credit score and join the Because You’ve Earned It program. 

Our Verdict

Big thanks to reader Sarah for checking this promotion out for us and getting hold of the flyer. From what she was told, there’s no promo code for this offer, and it seems like an offer any branch has upon request. Let us know if it worked in your local branch. (Not sure it’ll work in grocery/store branches.)

We have seen a higher bonus of $300 in select areas in the past, but $200 is the standard bonus. U.S. Bank sometimes offer the $200 bonus online as well, but this one is branch only.  $300 checking bonus from U.S. bank for those who live in DC, parts of VA, MD, WV, PA that can also be done online. U.S. Bank usually offers this $200 checking bonus once a year, once in Feb-March and once in June-August. They are sometimes targeted and sometimes public. You do need to wait 6 12 months from closing before doing the deal again.

U.S. Bank bonuses are fairly popular: they’re pretty easy to do, they can be churned, and having the deposit account is useful for getting approved for the Altitude. We’ll add this to our list of the best checking bonuses if it turns out to widely available (as we expect it to be).

Hat tip again to reader Sarah

Useful posts regarding bank bonuses:

Leave a Reply


newest oldest
Notify of

How soon are you eligible after closing an existing US Bank account?

this information is always in the fine print section post, read it over again

Sorry just found the 6mo part

It’s actually 12 months, fixed it

Correct, it reads 12 months. You may want to update the description, as it reads ” You do need to wait 6 months from closing before doing the deal again.”

The terms read 6 months since last account closed, 12 months since last bonus. Banker confirmed same in branch at opening.
Rep just denied me a bonus citing 12 months since last account, like you both are saying.

What am I missing?

Are out of State apps accepted?


Unlikely since this offer is in-branch only.

None in Florida!!


I opened the U.S. Bank Gold Checking package in-branch in early April. I did not have a mailer so the personal banker added a bonus code (It looked like he had a flier in his desk drawer). I completed the $2000 DD requirement on May 30, and the $200 bonus was credit to my checking account on June 6. Additional data point is that I made two small ACH transfers from my Chase checking account to help meet the deposit requirement and they were counted as eligible direct deposits.

I opened this account in April 2018 at a US Bank branch inside a Ohio Walmart. The $200 bonus posted within 60 days.

The availability is weird, as well as on the US Bank website. Apparently there is no branch in many states but they still list them there on US Bank website.

“Offer is not valid if you have an existing U.S. Bank consumer checking account, had a U.S. bank checking account account in the last six months or received other U.S. Bank bonus offers within the past six months”

If you received a U.S. Bank bonus through a credit card and never had a checking account with them does that make you ineligible ?

Also any data points on people being denied for Chex ?

You got me excited when I saw the GA in list of states, but their website shows no branches in Georgia.

DP: sad, i can’t do this deal, but i’ve always kept my us bank account, because when i was married to my ex-husband, he was prior military service, and if you have that, you are eligible to have a free platinum account with monthly fees waived each month, — FOR LIFE!!! im afraid to close the account, because i wouldnt be eligible for it to be free again, since im now divorced.

DP: im just putting this comment, in case no one was aware of the free account status for life with us bank, on their platinum account for military service (prior or current)
it has to be immediate family. mother father, husband wife, and i think brother or sister may be included as well, but not positive.

DP: at my particular branch, i was not asked to prove the status, but my husband was with me at the time, he wasnt dressed in military attire, and they just took our word for it. but my exhusband really was military. ymmv regarding proving eligibility.

These data points may already be well-known, but just thought i’d throw it out there.

jennifer I did not know this. My father was in the military, so I will ask about this benefit when I open my account.

jennifer miller
jennifer miller

I’ve read it somewhere on us banks site as well, but can’t remember where I saw it, but I’m almost certain this benefit is available at all branches. There’s lots of perks, but I can’t recall which benefits I’ve actually used. It seems like I got a better deal on my mortgage as well as my heloc. I think helocs have a yearly fee but due to my account status of military, I have no yearly fee, and us bank has the best rates on both, due to refinancing there’s no closing costs, even cash out refinances. I got a phone solicitation about their mortgage rates and refinancing about 15 years ago and they were the best in my area, and with zero closing costs it was a no brainier. I didn’t even have to pay the appraisal. And by zero closing costs, I don’t mean that they rolled the costs into the loan, I mean, seriously no charges to me whatsoever. And I’ve moved 3 different times since then and refinanced twice, and gotten a heloc on each property. Each time, I checked around at rates and costs, and I have a 750 credit score so I was eligible for the best rates, and nobody came close to their rates. Those that did, you were required to pay a few thousand in costs. I highly recommend us bank for mortgages, and as such, have always kept the checking account, even though I don’t really keep any money in it. I do use them sometimes to deposit paper checks, and to do free outbound external transfers of said funds, but I only keep about $100 in there, and have no direct deposit or debit card purchases, and my account is still free. I like it. It makes me second-guess it though when I see these bonuses though, lol!!!

jennifer miller
jennifer miller

Here’s the link for the military benefits


A lot of banks offer accounts fee-free for veterans. I know chase offers free accounts and waives minimum requirements and/or international fees. Worth asking at your bank if you qualify. FYI navy federal (NFCU) offers good credit cards and you’re eligible if a family member serves/d. I’m applying since my brother is in the army. They have a July promo ($25 referral in branch only)

So you can open the account if you’re in TX, but there aren’t any branches in TX. So how do we open an account if there are no branches in the state? There are only ATMs.

there ARE branches in TX. I live in TX.

Where? Using their locator it only shows ATM locations and no branches anywhere in the state.

There’s one in Dallas

I’m in fort Worth. The only Dallas location their website shows is the ATM in the convention hall downtown.

Wondering if anyone knows the answer to this.

If you joined the Because You’ve Earned It program for the bonus last time, using it to get the Gold Package for free, is it still active for purposes of this bonus even though you have to go into the branch for this bonus (last time was done completely online)?

I had the same question so I went through the process for the Because You’ve Earned It program to see if it confirms that I already joined before going into a branch to apply for this bonus.

It got to the point where it says “Once your new account is open, you’ll be able to complete your enrollment in Because You’ve Earned It”.

So looks like it doesn’t remember from the last time that you’ve already joined, at least until you’ve opened the Gold Checking Account when it may remember.

Wonder how (or if) it will work in branch? Not going in until next month so hopefully someone will report back.

See at the bottom of the page under their terms that one of the terms states that you have to “be an account owner for a newly opened or existing U.S. Bank Gold or Platinum Checking Package”.

Sounds like when we closed our account previously, we are no longer a member of the Because You’ve Earned It program. Now depends on if you can join in branch in order to get the Gold Checking fee free.

which banks ach have recently counted as dd for US bank?


Chase Bank. I made two ACH transfers from Chase to US Bank on 4/26/18 and 5/21/18 and they were both counted as DD although coded as “Electronic Deposit Jpmorgan Chase”

Is there a hard pull to enroll in the “Because You’ve Earned It” program to get the Gold checking account fees waived?


And US Bank doesn’t even pull Chexsystems to open an account though they do EWS.

I’d assume it would work at grocery store branches because it has the promo code for the banker at the bottom

Back to Top ↑